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Private Passenger Automobile Insurance, 2014-2023

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2014 $112,354,903 4.6% 103.8 0.2 pts. $71,096,640 5.4% 100.2 1.5 pts.
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -4.6
2019 147,289,907 2.0 101.6 1.1 100,438,313 4.1 94.6 0.9
2020 144,115,139 -2.2 94.8 -6.7 99,607,381 -0.8 89.2 -5.3
2021 148,367,287 3.0 100.4 5.6 104,465,417 4.9 104.1 14.8
2022 155,252,908 4.6 111.2 10.8 113,016,153 8.2 113.7 9.6
2023 173,087,382 11.5 106.5 -4.7 133,210,735 17.9 102.8 -10.9

(1) After reinsurance transactions, excludes state funds.   
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2013-2022

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2013 $107,446,382 3.9% 103.6 0.4 pts. $67,452,663 4.4% 98.7 -1.5 pts.
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -4.6
2019 147,289,907 2.0 101.6 1.1 100,438,313 4.1 94.6 0.9
2020 144,115,139 -2.2 94.8 -6.7 99,607,381 -0.8 89.2 -5.3
2021 148,424,321 3.0 100.4 5.6 104,486,659 4.9 104.1 14.8
2022 154,937,129 4.4 111.2 10.8 112,472,781 7.6 113.7 9.7

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2012-2021

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2012 $103,429,677 3.0% 103.2 -0.6 pts. $64,619,667 2.7% 100.2 0.6 pts.
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -4.6
2019 147,289,907 2.0 101.6 1.1 100,438,313 4.1 94.6 0.9
2020 144,115,139 -2.2 94.8 -6.7 99,607,381 -0.8 89.2 -5.3
2021 147,509,249 2.4 100.4 5.6 103,789,657 4.2 104.1 14.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2010-2019

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2010 $97,672,826 2.8% 105.9 0.3 pts. $62,595,851 -0.1% 93.4 0.4 pts.
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -4.6
2019 147,300,544 2.0 101.6 1.1 100,442,485 4.1 94.6 0.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2009-2018

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2009 $94,990,682 0.5% 106.2 2.7 pts. $62,630,693 -2.2% 93.0 -2.8 pts.
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,438,315 8.0 100.5 -5.0 96,469,904 9.0 93.7 -4.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2008-2017

($000)
  Liability Collision/comprehensive
Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2008 $94,545,647 -0.5% 103.5 1.7 pts. $64,054,581 -1.0% 95.8 2.4 pts.
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,427,571 7.0 109.4 1.5 82,930,260 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2007-2016

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)		 Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2007 $94,974,640 -0.4% 101.8 3.1 pts. $64,700,792 -0.7% 93.4 2.0 pts.
2008 94,545,647 -0.5 103.5 1.7 64,054,581 -1.0 95.8 2.4
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.3 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.1 76,486,433 7.6 99.4 -0.8
2016 124,427,571 7.0 109.4 1.5 82,930,260 8.4 101.5 2.1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Private Passenger Automobile Insurance, 2006-2015

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2006 $95,325,685 1.0% 98.6 0.2 pts. $65,125,977 0.4% 91.4 0.7 pts.
2007 94,974,640 -0.4 101.8 3.1 64,700,792 -0.7 93.4 2.0
2008 94,545,647 -0.5 103.5 1.7 64,054,581 -1.0 95.8 2.4
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.3 71,096,640 5.4 100.2 1.5
2015 116,298,871 3.5 107.9 4.1 76,483,627 7.6 99.4 -0.8

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

PRIVATE PASSENGER AUTOMOBILE INSURANCE, 2005-2014

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual point
change (3)
2005 $94,384,329 1.6% 98.4 -0.4 pts. $64,882,303 0.3% 90.7 3.7 pts.
2006 95,325,685 1.0 98.6 0.2 65,125,977 0.4 91.4 0.7
2007 94,974,640 -0.4 101.8 3.1 64,700,792 -0.7 93.4 2.0
2008 94,545,647 -0.5 103.5 1.7 64,054,581 -1.0 95.8 2.4
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,328,916 4.5 103.8 0.2 71,087,058 5.4 100.2 1.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: SNL Financial LC.

PRIVATE PASSENGER AUTOMOBILE INSURANCE, 2004-2013

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2004 $92,936,566 4.1% 98.9 -4.2 pts. $64,697,069 4.3% 87.0 -5.1 pts.
2005 94,384,329 1.6 98.4 -0.4 64,882,303 0.3 90.7 3.7
2006 95,325,685 1.0 98.6 0.2 65,125,977 0.4 91.4 0.7
2007 94,974,640 -0.4 101.8 3.1 64,700,792 -0.7 93.4 2.0
2008 94,545,647 -0.5 103.5 1.7 64,054,581 -1.0 95.8 2.4
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,451,645 4.4 98.7 -1.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: SNL Financial LC.

PRIVATE PASSENGER AUTOMOBILE INSURANCE, 2003-2012

($000)
  Liability Collision/comprehensive
Year Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)		 Net premiums
written (1)		 Annual
percent
change		 Combined
ratio (2)		 Annual
point
change (3)
2003 $89,278,146 9.0% 103.1 -7.1 pts. $62,008,020 7.9% 92.1 -3.8 pts.
2004 92,936,566 4.1 98.9 -4.2 64,697,069 4.3 87.0 -5.1
2005 94,384,329 1.6 98.4 -0.4 64,882,303 0.3 90.7 3.7
2006 95,325,685 1.0 98.6 0.2 65,125,977 0.4 91.4 0.7
2007 94,974,640 -0.4 101.8 3.1 64,700,792 -0.7 93.4 2.0
2008 94,545,647 -0.5 103.5 1.7 64,054,581 -1.0 95.8 2.4
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,153,523 2.8 103.1 -0.7 64,494,066 2.5 100.2 0.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.